I just see it as something that everyone needs to get through at some point in their lives (well, if they choose to have sex at all) and can just shrug it off. It's like seeing a character work in a shitty entry-level job, I suppose -- something that's just to be expected if you're reading a YA novel, for example, because not everyone gets that out of the way at a young age.
I recently discovered Courtney Milan, who wrote a couple where both were virgins(for reasons due more to deep-rooted psychological issues than morals) (and both were also perfectly capable of masturbating) and after a mutually awkward first time, the heroine went "Okay, I may only have experience doing this solo, but I don't think we did that right. Let's try again."
She's also written couples who were both experienced. One of which even used a condom, despite it being a historical romance.
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I recently discovered Courtney Milan, who wrote a couple where both were virgins(for reasons due more to deep-rooted psychological issues than morals) (and both were also perfectly capable of masturbating) and after a mutually awkward first time, the heroine went "Okay, I may only have experience doing this solo, but I don't think we did that right. Let's try again."
She's also written couples who were both experienced. One of which even used a condom, despite it being a historical romance.